The verdict in three sentences
A credible B2B SaaS MVP is budgeted between 30,000 and 70,000 EUR (excl. VAT) in 2026: modern stack (Next.js + Supabase/Postgres), multi-tenant authentication, one solid core feature and Stripe billing. Expect a 3-to-5-month timeline for a sellable product, not a mere demo. Public innovation grants can cover 30 to 50% of eligible spend, which radically changes the financing plan.
What a 30,000-70,000 EUR SaaS MVP contains
An MVP is not a complete product: it is the smallest version able to generate first revenue and user feedback. Here is the typical breakdown.
| Line item | 2026 scope | Range (EUR excl. VAT) |
|---|---|---|
| Multi-tenant auth | Accounts, organizations, roles, invitations | 5,000 - 10,000 |
| Core feature | The one function that creates value | 10,000 - 25,000 |
| Stripe billing | Subscriptions, trials, invoices, webhooks | 4,000 - 8,000 |
| Dashboard + onboarding | Dashboard, first-use journey | 4,000 - 9,000 |
| Design system | Consistent UI, responsive, components | 3,000 - 7,000 |
| Infra & deployment | CI/CD, monitoring, environments | 2,000 - 5,000 |
| Landing + analytics | Sales page, conversion tracking | 2,000 - 6,000 |
An MVP focused on a single core feature sits around 30,000-45,000 EUR. Adding a second major function and richer onboarding pushes toward 60,000-70,000 EUR.
No-code vs custom: the right choice by stage
Before committing 40,000 EUR, test whether no-code is enough. Custom is justified once business logic becomes a competitive advantage.
| Criterion | No-code (Bubble, etc.) | Custom (Next.js) |
|---|---|---|
| Launch cost | 3,000 - 12,000 EUR | 30,000 - 70,000 EUR |
| Timeline | 4 - 10 weeks | 12 - 22 weeks |
| Monthly platform cost | 30 - 500 EUR/month | hosting 50 - 300 EUR/month |
| Scalability | Limited beyond a few thousand users | High |
| Code ownership | No (lock-in) | Yes |
| Fundability | Medium | Strong (technical asset) |
| Deep customization | Difficult | Total |
To validate an idea before any capital, a 5,000 EUR no-code is often the right move. For a product headed for a raise or fast growth, custom becomes a balance-sheet asset.
Mini case study
Lea, founder of an HR-tech startup in Berlin, wants to validate a SaaS for annual review tracking before her seed round. Initial custom quote: 48,000 EUR (multi-tenant auth, core feature, Stripe, onboarding), 4-month timeline.
She secures a public grant covering 40% of eligible spend, bringing her net cost to about 29,000 EUR. Targeting 40 clients at 60 EUR/month within 12 months, the goal MRR reaches 2,400 EUR/month, i.e. 28,800 EUR/year: the MVP pays back in just over a year, before the raise. Bonus: the technical asset strengthens her valuation with investors.
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FAQ
What minimum budget for a B2B SaaS MVP in 2026?
Expect 30,000 EUR for a sellable custom MVP (multi-tenant auth, one core feature, Stripe billing). Below that, use a no-code at 3,000-12,000 EUR to test market appetite.
How long to deliver an MVP?
Between 3 and 5 months for a genuinely usable, billable product. A non-billing clickable demo can ship in 4 to 6 weeks but does not validate willingness to pay.
Can I get grants?
Yes. Public innovation programs can cover 30 to 50% of eligible spend in 2026 depending on your region and stage. The exact amount must be confirmed with your operator; treat it as an order of magnitude.
In-house team or agency?
Hiring two senior devs costs roughly 110,000 to 150,000 EUR/year fully loaded. An agency delivers the MVP for 30,000-70,000 EUR with no fixed cost: more sensible until the product is validated.
What stack keeps me fundable?
A Next.js + Supabase/Postgres + Stripe stack is standard, documented and reassures investors and future devs. It avoids the lock-in of a proprietary no-code.
Let's scope your project. Tell us your core feature, your B2B target and your fundraising horizon, and we'll price a fundable, grant-eligible MVP. Detailed quote within 48 h. WhatsApp +221 77 596 93 33.
Mohamed Bah
Fondateur, Kolonell
Passionate about digital and entrepreneurship in Africa, Mohamed has been helping Sénégalese businesses with their digital transformation since 2020. Founder of Kolonell, he believes every SME deserves a professional and accessible online présence.
